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# Your card didn't work on a POS (Point of Sale)

## On the card side

**Damaged chip**  
If the chip on your card is damaged, the payment is likely to be declined. Request a new card. If multiple payments are declined consecutively, contact us at support@spendesk.com.

**Incorrect usage**  
Payments will be declined if the PIN is incorrect. You can check your PIN anytime in the app under **My card > View PIN**.  
Make sure the merchant inserts your card and requests the PIN, instead of trying to swipe the card, as this may damage the chip.  
Contactless payments will only work after a successful PIN payment.

**Limits**  
Payments will be automatically declined if:

* There are insufficient funds on your card.
* Your company's Spendesk wallet does not have enough funds.
* Your card has expired.
* Your card is blocked in the interface (by your company, for security reasons, or by you).
* There are specific restrictions (e.g., limited usage to certain days or times).
* You have reached your annual, monthly, or per-transaction spending limits.

Spending limits vary depending on the card's currency and your company's location. For more information, check out our articles on card limits.

**Issues with banking partners**  
Occasionally, there may be disruptions with our banking partner or the merchant’s partner. In this case, wait a few minutes or hours before trying again.

## On the merchant side

If the merchant's POS terminal is not properly connected to a network, payments cannot be processed.

The terminal must be set up for the correct payment method:

* **Card present mode**: The cardholder inserts their card and enters the PIN or swipes the card and signs the receipt.
* **Card not present mode**: Used for online or phone transactions. Some transactions may require additional verification (e.g., 3DS or PIN entry).

**Muted card**  
If the terminal shows "Muted card," clean the chip with a cloth and try again. If the problem persists, the card may have been demagnetized (e.g., by contact with phones or coins). Cancel the card through the **Card** tab and request a new one through your administrator.

## FAQ

**What should I do if my card is frequently declined?**  
First, check your card’s status in the Spendesk app (My card > Details) to ensure it is active and not blocked. If the problem persists, contact support via **Need help? > Chat with us**.

**How can I increase my spending limit?**  
Spending limits are set by your company. Contact your administrator to request a change.

**Why isn’t my contactless payment working?**  
Make a successful payment using your PIN before trying contactless payments again. The contactless feature resets after failed attempts or a prolonged period of inactivity.

**What should I do if my card is damaged or demagnetized?**  
Cancel the card through the **Card** tab and ask your administrator to order a new card.